Travel Trailer Insurance ??? - Page 12 - Fiberglass RV


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Old 09-12-2017, 11:08 AM   #155
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Name: Jon
Trailer: 2008 Scamp 13 S1
Arizona
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Originally Posted by floyd View Post
That's only a problem if your travel trailer is an "ESCAPE"!
Its gone now of course, but we always had that concern with our Ford Escape ...
Okay, I concede that a liability claim when the trailer is not being towed is unlikely.

I'm still curious what kind of policy covers that situation.

I have seen large RVs set up with slides protruding close to, or even into, the roadway where kids are riding bicycles.

Would that fall under some kind of "umbrella" liability policy?
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Old 09-12-2017, 02:23 PM   #156
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Name: Gordon
Trailer: 2015 Scamp (16 Std Layout 4) with '15 Toyota Sienna LE Tug
North Carolina
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Originally Posted by Jon in AZ View Post
Okay, I concede that a liability claim when the trailer is not being towed is unlikely.

I'm still curious what kind of policy covers that situation.

I have seen large RVs set up with slides protruding close to, or even into, the roadway where kids are riding bicycles.

Would that fall under some kind of "umbrella" liability policy?
Exactly (for liability, not comp or collision).

I have a umbrella policy and when I got my Scamp and insured it through my Erie agent with a policy through Progressive. I also had it added to the Erie umbrella. Now Progressive covers up to (if I recall right), $300k, and if the claim is more than that, the Erie umbrella kicks in and covers to one mill. I am pretty well covered regardless of who gets hurt by/in my camper, and however bad they are hurt.

I did have to pay just a little more for the umbrella once it extended another policy but its cheap insurance so the increase is minimal.

On the question of the trailer becoming unhitched.. I know for a fact that in this state, if the trailer becomes detached and it collides with something, that is one accident report. If the trailer comes to rest, even for a microsecond, and is then hit, then that requires a separate accident report. I don't know if insurance works the same way, that is to say that the collision after the trailer comes to rest (and is reported on a separate report) would (or would not) be covered by the tug's policy.

All this is why I say find an insurance agent you trust (and who is not just trying to sell), and then ask him or her what coverage is appropriate for your situation.
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